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prattcmmr

prattcmmr   , 63

from West New York

Teens And Car Insurance


Most teens are thrilled to get their first car and then dream of going on to get a bigger, faster car. So many work so hard to make that dream of getting their own set of wheels possible. Only to find after they feel their dream has been fulfilled that their insurance premiums are inordinately high. And why is that? Just the fact that it happens to be a teenage driver ' and it's worse when he or she owns a fast car. Reasonable priced insurance would seem like a distant dream and very often, the payments could come close to or in some cases exceed the cost of the car!

The unmistakable fact that young male drivers were often rash made them unpopular with insurance firms. Insurance firms whose aim is to make money consider them to be bad business risks. Many of them quote such high premiums that most youngsters cannot afford it. Sometimes they refuse to entertain young people. They do all they could to discourage young people.

In spite of this being so, there were ways of getting around the situation. Sad though it may be, one the first things is to forget the sports model you had set your heart on. Cars are numbered by insurance companies in the UK from 1 to 20 according to the risk they are perceived to be. The cars which are considered risky carry a higher number and demand a higher premium and it is best to keep away from them. Vehicles which are fast or expensive with big engines also have a higher number. The premiums they required are proportionately high. It is not a smart move to own one of those.

A vehicle which was in the low insurance number bracket motor insurance is clearly cheaper and safer and commanded lower premiums. While such a vehicle would not set girls' hearts on fire, it would provide valuable experience in driving and win for its owner no-claim bonuses which translates into money. Insurance companies would soon see you as a responsible youngster. There were other advantages also. Staying with the same insurance firm could lead to benefits like special deals and discounts on premiums.

A third party insurance covering only theft and fire was another way of cutting down on cost as they were cheaper on premium. A cheap old car could get by with a third party insurance. But if you had spent a tidy sum on your first car then you required comprehensive insurance for it.